Personal loans in Amboy, MN

Personal loans in Amboy are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 519 population. State law, not city hall, decides what a lender may do to Amboy's roughly 519 residents, and a state regulator supervises it. If debt is already a strain, a nonprofit credit counsellor can help Amboy residents before they take on more. A larger market lies at Winnebago, MN about 9 miles away.

Local context for Amboy

Here is the sourced Census picture for Amboy, plus the Minnesota lending rules that apply to a loan taken out here.

• Population: 519 — Amboy ranks 482nd of 853 communities in Minnesota (US Census Bureau, Vintage 2023).
• Population trend: About 3.5% below the 2020 Census base.
• Change in people: the 2020-to-2023 comparison is a loss of about 19 residents.
• Size percentile: about 43% of Minnesota communities are smaller than Amboy (519 residents).
• Population density: about 1,663 people per square mile (Census land area 0.3 sq mi).
• By land area: Amboy ranks 776th among Minnesota's 853 places, at 0.3 sq mi.
• Share of state population: Amboy's 519 residents are about 0.0% of Minnesota.
• Nationally: Amboy is the 13,005th-largest of 19,457 Census places in the dataset.
• Growth in Minnesota: Amboy stands 790th by percentage change from 2020 to 2023, among 853 places.
• State comparison: Minnesota's places average +0.1% for 2020-to-2023, against Amboy's 3.5%.
• Density rank: Amboy places 110th among Minnesota's places by people per square mile.
• Density in context: Amboy's 1,663 people per square mile sit against a Minnesota median of 607.
• Location: mapped by the US Census Bureau at 43.8879, -94.1583.
• Nearest larger cities: Winnebago (9 mi); Good Thunder (9 mi); Mapleton (10 mi); Truman (14 mi); Lake Crystal (15 mi). Larger metros often have more branches, but online lenders reach Amboy on the same terms.
• Smaller communities close by: Vernon Center (5 mi); Delavan (11 mi); Lewisville (14 mi), each with its own Census population profile.
• Smaller neighbours: 52 places smaller than Amboy sit within 50 miles.
• At 100 miles: 306 larger Census places fall inside that radius.

A practical checklist for Amboy borrowers

Before you apply in Amboy, a community of about 519, work through these steps:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Model the payment on the calculator before a lender models it for you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Verify the lender's Minnesota licence with the regulator listed on this page.
5. Read the disclosure for an origination fee and any prepayment penalty before signing.
6. Test the payment against your current bills before you commit.
7. Pick the shortest term whose payment you can comfortably afford.

None of these steps is Amboy-specific: the same Minnesota licensing and disclosure rules reach all 519 residents.

Where Amboy sits

The Census Gazetteer records about 0.3 square miles of land within Amboy, with no significant water area listed. With 519 residents, the land area yields roughly 1,663 people per square mile. The largest place in Minnesota, Minneapolis, lies about 86 miles away. Amboy has 59 larger places within a 50-mile radius. The 100-mile radius contains 306 larger places.

The Minnesota lending rules that reach Amboy

Read the table as a lender's compliance picture for Amboy: the rule, the sourced figure, the publisher and the date.

Where Amboy sits in Minnesota

Set beside Minnesota's 853 places, Amboy ranks 482nd by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Amboy stands 790th among Minnesota's 853 places — roughly the 7th percentile. At about 1,663 people per square mile, Amboy is the 110th most densely settled place in Minnesota. By land area, its 0.3 square miles rank 776th of 853 places in Minnesota.

Borrowing reach in Amboy

With about 1,663 residents per square mile, Amboy is moderately settled, and 59 larger Census places sit within 50 miles. Lenders licensed in Minnesota reach Amboy's 519 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Winnebago, MN about 9 miles away.